Investable Instruments That Are Under CPFIS (CPF Investment Scheme)

All investments made under CPFIS must be in Singapore dollars except where otherwise stated. Investments under CPFIS cannot be assigned, pledged or used as collateral.

1. Fixed Deposits
~   Must be placed with a CPF Fixed Deposit Bank.

2. Singapore Government Bonds

Singapore Government Treasury Bills
~   Can be bought from the primary and secondary markets.
~   Can be traded through bond dealers.

3. Statutory Board Bonds*
~   Can be bought from the primary and secondary markets
~   Can be traded through bond dealers or brokers

4. Bonds Guaranteed by Singapore Government*
~   Can be bought from the primary and secondary markets.
~   Can be traded through brokers.

5. Annuities

Endowment Policies

Investment-Linked Insurance Products**
~   Must be offered by Insurance Companies included under CPFIS.
~   Life insured must be the member himself.
~   Only single premium or recurring single premium policies are allowed (new regular
premium policies are not allowed from 1 January 2001).
~   For endowment policies, maturity date must not be later than the member's 62nd
birthday.

6. Unit Trusts**
~   Must be managed by Fund Management Companies included under CPFIS.
~   Fund managers are required to invest according to the Investment Guidelines set by CPF Board.

7. Exchange Traded Funds**
~   Must meet guidelines set by CPF Board and be listed on the Singapore Exchange-
Securities Trading (SGX-ST).

8. Fund Management Accounts** (CPFIS-OA only)
~   Fund managers are required to invest according to the Investment Guidelines set by
CPF Board.

9. Shares of Companies, Units of Property Funds or Property Trusts and Corporate Bonds (CPFIS-OA only)
~   Must be offered by companies incorporated in Singapore.
~   Must be fully paid ordinary or preference shares or corporate bonds listed on the Singapore Exchange-Securities Trading (SGX-ST).

10. Gold (CPFIS-OA only)

(a) Gold ETFs**
Must meet guidelines set by CPF Board and be listed on the Singapore Exchange Securities Trading (SGX-ST).

(b) Other Gold products
Only UOB offers these gold products. If you wish to invest in gold, you need an investment account with UOB.

*Under CPFIS-SA, members can currently invest in Statutory Board Bonds and Bonds Guaranteed by the Singapore Government only in the secondary market.

**Can be denominated in non-Singapore dollar currencies.